| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4775 E 91ST STE 200 TULSA, OK 74137 | KFM ENTERPRISES, LLC MEDICAL | — | $39K | $39K | 2.75% |
| JACK LENHART CLU3 | 4200 E SKELLY DR STE 250 TULSA, OK 74135 | KFM ENTERPRISES, LLC MEDICAL | $0 | $21K | $21K | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4775 E 91ST ST STE 200 TULSA, OK 74137 | KFM ENTERPRISES, LLC DENTAL | $6K | — | $6K | 5.20% |
| JACK LENHART CLU3 Filed as: JACK LENHART | 4200 E SKELLY DR STE 250 TULSA, OK 74135 | KFM ENTERPRISES, LLC DENTAL | $3K | — | $3K | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 4775 E 91ST ST STE 200 TULSA, OK 74137 | KFM ENTERPRISES, LLC LIFE, LTD | $10K | $4K | $14K | 16.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 W CAPITOL AVE STE 3550 LITTLE ROCK, AR 72201 | KFM ENTERPRISES, LLC LIFE, LTD | $839 | — | $839 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5314 S YALE AVE STE 900 TULSA, OK 74135 | KFM ENTERPRISES, LLC VISION | — | $738 | $738 | 3.48% |
| JACK LENHART CLU3 | 4200 E SKELLY DR STE 250 TULSA, OK 74135 | KFM ENTERPRISES, LLC VISION | — | $397 | $397 | 1.87% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KFM ENTERPRISES, LLC MEDICAL | 313 | $1.4M |
| Dental | KFM ENTERPRISES, LLC DENTAL | 131 | $120K |
| Vision | KFM ENTERPRISES, LLC VISION | 117 | $21K |
| Life insurance | KFM ENTERPRISES, LLC LIFE, LTD | 143 | $84K |
| Long-term disability | KFM ENTERPRISES, LLC LIFE, LTD | 143 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.